Whether you’re a first-time home buyer, considering a move to the Pooler, GA area, or looking for a new home with more (or less) space, there are many factors to consider when purchasing home insurance. To assist you in making the right choice regarding home insurance, here are three questions to ask before deciding what coverage is right for you.
1. What is covered?
Homes can become damaged for several reasons, including natural disasters, fire, or simple wear and tear. As you begin researching insurance companies and policies, it’s important to know what will be covered by your policy and what will need to be paid out of pocket.
2. What is not covered?
Each insurance policy offers different coverage, but some may not provide the coverage you thought you were paying for. For instance, according to Georgia.gov, most policies will not cover loss due to natural disasters, like floods or earthquakes. Separate policies will be needed to cover these events.
3. Do I need all of this coverage?
While it’s better to be prepared and have additional insurance that may never need to be used than not having enough coverage when it’s needed, it’s still important to do your research and ensure your policy provides just the right amount of coverage. The most expensive policy is not always the best one.
If you need more information on what insurance policy is right for you and your family, the agents at Covenant Insurance in Pooler, GA are more than happy to answer your questions. Call us today.
